Occupy the Board Room!

too greedy and unethical | 0  

Unbridled greed and lack of ethics do not make it in this land, and you will be held accountable in the end.

Ilse Funk

cherry valley, NY 13320-3536

55 yr old female struggling | 0  

Hello Sarah, My name is Sarah also.  This movement will infuse this country with a passion for change.  I am on food stamps...doing my best.., have not taken a vacation since 2003. I live in a small apartment and buy my furniture from goodwill. I love goodwill. They have better items sometimes than major retailers, you just have to wait, and shop! I am very frugal. The only thing I would WANT for since I am not a materialistic person, is good food, good health, as I am trying to keep, MINUS health insurance, because I cant afford it!, Plus I would like to be able to someday not struggle so much. My point is, I view your type of people as GREEDY, most of them anyway. I wish you well, however, I wish ME WELL TOO! I fully support Occupy Wall Street movement, because if Jesus were here in the flesh, I am sure he would be very disappointed in most of you, who earn huge bonus's, while WE the simple people suffer. Mother Teresa surely would not be catering to you.....! THE REAL character of a person is in their act of HUMILITY and truth. We the people speak the truth. I AM free! why? because I know who takes care of me! CERTAINLY you all dont!  I put what money I have in my credit union. TIME TO re think just how important you think you are. END NOTE..I also know that all of us, even you rich ones, have a heart, ?!!, so do the right thing, resign, do something REAL good for the underdogs. It will FREE you like nothing else. Dont get caught up in all the materialistic GREED!

Sarah A
27284

All my chase accounts are now closed | 0  

Dear Jay, in solidarity with the Occupy Wall Street movement, i want you to know that i have closed all of my accounts with JPMorgan Chase this week and have moved my assets to a local credit union, where i feel my voice will be better heard and respected as a customer.

Veronica
06107

99% | 0  

We are sick and tired of you profiteering off our pain and suffering! Let's figure out a way to SPREAD THE WEALTH so that none of us needs to be hungry, uneducated, or too poor to afford a doctor. 

What do you think? 

I await your reply. 

Cordially, 

Luz Calvo

Luz Calvo
94601

High Risk, Complex Financial Products, Self Regulation | 1  

Dear sir,

I am outraged at the high risk complex financial products, undisclosed conflicts of interest, failure of regulators, the credit rating agencies and the Federal Reserve for allowing you and your institution to wreak havoc on the economy of my country. I want accountability for the money and assets you and your bank have stolen from the people of this great country.

Thanks for you time

Michael Gray
12804

15 Year Customer Leaving Your Bank | 5  

After years of being taken advantage of by exorbitant overdraft fees and seeing what the banking industry has done to our economy, I have decided to take my meager $20,000 in savings and checking to an institution that will value their customers and not treat them as merely a tool to inflate their bottom line. 

Your company's ability to even entertain the idea of shifting the costs of losing profits that you never should have made in the first place onto your customers is the last straw. Good riddance to your corporate profiteering mentality. The time has come for companies like yours to be exposed for what they really are: heartless money machines. 

Humanity will win. Heartless corporate pirates will lose. 

christian stone
90027

Did you notice that I did not come home last night? | 6  

Dear Cynthia -
Did you notice?  Have you been wondering what's different in the house today?  Do some things seem to be missing?
I'm pretty sure you *are* starting to take notice.  I've been slowly moving my assets from your house/bank to my friend's house/credit union.  It's a slow process.  We became entangled over 20 years ago when I left the credit union - lured away by your promises.  But you never came through - in fact you started abusing me.  I didn't notice much at first, it was just a little.  The last few blows have made my head spin.  I'm done, I won't be abused any longer.  I'll get the rest of my money next week.  Your tellers begged me to stay by the way, saying I've been with you so long, was there anything they could do? No, it's too late.  I'm taking my future into my own hands.  
I won't miss Wells Fargo and I know my Credit Union will take much better care of me.

Julie
95811

I moved my money. | 0  

I closed my wells Fargo bank account lady month and movedy money to a local bank that cares about its customers and it's community. I am a former Wachovia customer who was horrified by the complete attitude change in regard to customers by wells Fargo. New fees seemed to come up all the time, for using Quicken ridiculous minimum monthly balance maint. fees, and the bill pay service that withdraws money from my account days before you pay the bill allowing your bank to earn interest on my money instead of me. All in all, I am tired of the greedy nickel and dining that you are doing to your customers. I support banks making a profit, but this is beyond excessive. I am very happy at my local bank. They pay me to use bill pay and my debit card. There is no account maintenance fee, and the bill pay is set up similar to wachovias old system. I am telling everyone I know to switch as well. 

Teresa Birge
21113

natural consequences | 0  

Some might argue that they are instead 'logical consequences' - those that would seem just and fair to a wide variety of people weighing the injustices enacted by one person, or a corporation.

But to me this is part of a movement of natural consequences.  If you stand out in the rain without a coat, you get wet.

If you reap exponentially-increasing rewards off a nation at its time of harshest living for the majority, you get called out on it.

Time to come clean, own the actions, the lobbying that has stolen democracy, and pay back to this society that has allowed you to experience the life you lead.

And it's time now.

My Ph.D. and my husband's terminal degree are sources of great pride for our families, legal immigrants brought here over 40 years ago to help build this country.  But we can barely make ends meet under the weight of the burdens we have incurred in our process of trying to make stronger and stronger contributions to society, while simultaneously trying to take care of the next generations for whom we feel responsible.

I cannot even fathom the selfishness that must drive your choices.

There is time to change.  Do it now.  Help right the wrongs.  Don't drown this nation under the deathly greed of a few.

Fix it.  

Victoria Trinder
60304

When is enough enough for you guys | 3  

You all have more money than you could spend in 10 lifetimes. I have many friends who can not find a job and  have lost their homes to foreclosure.  Can you please see it in your heart to stop taking more money out of the system which leaves us with less money for the essentials in life.a 9:00 - 5:00 job and a roof over our heads.

Larry R
NY

Thank You | 4  

Mr. Moynihan,

Thank you for showing the world your true colors. You do have a right to make a profit. And I have a right to transfer my savings to a local credit union. 

I love how you feel entitled. I am not out actively protesting, but I join with those who are by making better decisions about my money than you are. I can do better with $50,000/year than you can with your millions. 

My relationship with BofA has been strained. And I don't think you get it. So I am breaking up with you. It's not me, it's you. The credit union still loves me and will take me back, even after I have been unfaithful with corporate banks. 

You may also consider treating your employees with a greater degree of dignity. I know this one first-hand. 

I will move my money out of your bank by the first of the year. Let's not make this break-up harder than it has to be. I know you'll pretend not to be sorry to see me go. Please stop staring at my assets.

Says that bird to the honey badger: "Thanks Stupid." Look it up. Maybe it will give you solace. Hey, look at it this way: you can go back to your peer group for comfort. All I have is the 99%

I wish you really understood the disconnect. Instead, I am resorting to writing a sarcastic email to express my dissatisfaction. Self-reflection is tough, isn't it? 

I do like those little debit card registers. They fit nicely in my wallet. I'll see what I can do to get as many of those as possible before I leave. Seems fair, right? We all have a right to make a profit.

In all seriousness, I am gravely concerned about the decisions that the corporate world is making. I believe that profit comes before people in your world, and that is sad. More than that, we will all face a day in which we will be judged. I will be judged. You will be judged. And like Christ said, those who have been entrusted with much will have to answer for much. Let that one sink in. 

Goodbye Brian. 

Jeffrey Allen
87501

Too Big to Fail My Derriere! | 0  

I am gradually transferring all of my financial transactions to a non-profit Credit Union, but because it's such a pain in the ass, it's taking some time, and I won't be officially done with it until after today, Move Your Money Day. But I cannot WAIT to be free of my entanglements with your disgusting greedy bank! 

Did you know that 650,000 people in September ALONE transferred their money to credit unions? That's more than all months in 2010 COMBINED. 

The time has come for Bank of America, and all corrupt corporate banks, to FAIL. 

YAY!!!!! 

Alison Ross
30316

Please rethink your compensation model! | 0  

The reason we are given that bankers get outsize salaries is because of the risk they run. However, with all these bailouts and golden parachutes for incompetent executives, the salaries seem like just profit taking at the expense of everyone else. This is especially seen when you lay off people who are working hard, who did obey all the 'rules'. 

So please lay off the huge bonuses, the golden parachutes and handshakes. It's is horrible for PR, and may in fact not be helping improve your business at all. You could invest the money in honest finacial products that could provide benefit for everyone

Shannon
38016

How's your day going? | 1  

Are you wondering if this is the first day of the move you money movement or the last? Do you care? Are you concerned that this could be a trend or that your brand has effectively become evil? Does this bother you at night, or are you so insulated and protected by the government and your fellow bankers that you just don't care?

Seriously, I'd love to hear your response to these questions. I'm available to speak with you about these issues anytime you are, even if it's the middle of the night and you just have to get something off your chest. Just email me your number and I'll give you a call.

[email protected]

Matt R
11215

Why Are You Worth More Than I? | 1  

I have struggled to understand why you and your job are valued so much more highly than I and mine.  I did well in school, went on to college and a masters degree.  I've worked for the majority of my adult life--hard, long hours to offer real service to my clients.  On top of that, I've given this country three fine, productive young people to carry on the society.  What is it that you are doing and have done that makes you worth so much more money than I receive?  I hear you monied are smarter.  I've met thousands of wealthy through my jobs.  I will guaranty that most are not smarter than I.  I've heard you're better at what you do.  I am a national expert in my field.  Yet, I draw 0.01% of your salary (not income, just salary) and look to a future of penury and early death from lack of medical care.  Do you offer more to this country than I?  My job is to help save lives.  Could you please help me understand why you are financially remunerated so completely out of proportion in comparison to me for your life and services?  Thank you.

Trudy Y. Smith
63357

Guy Fawkes Day! | 1  

Hi James!  Not sure if you're aware, but today is Guy Fawkes day.  :-)  My family has a tradition of watching "V for Vendetta" and eating bangers and mash. It also happens to be my younger brother's birthday - how cool is that?

While prepping this morning, it occurred to me that you and your friends might consider investing in whoever is making all of those masks we keep seeing around.  Really, it's a win - win.  

First, you'll make more money (I mean, who could have enough?) because those masks are going to keep selling!  Then, we you realize you need to hide more than we do, you'll have easy access to masks you can use for yourself!  Genius!

Happy Guy Fawkes Day!     

Kate
77429

A little ditty for you! | 1  

Hi Brian!  One of my favorite things to do with new friends is to share musical interests. There is a great group called Cage the Elephant and they have an awesome song called Judas I think you would really enjoy.

The first verse starts:

"The time has finally come for you to get a mouthful; 
you only act on greed and by your actions this is proof;
Can't you see the flowers dying all around you?
Got your hands in the devil's pocket, got everything to lose.

So you lash out to crush the ones below
All the ones that you fear most
and they call this crowd control..."

It's an outstanding song, but I don't want to ruin the end for you!  My guess is you can afford the download.  Enjoy it because I think it suits you!

Kate
77429

The Other 99% Has Had It. | 3  

You went too far, and now it's our turn. Your carefully calculated plan over the many years to accumulate all the wealth in our country has worked - but, sorry, your time is up, and there are more of us than there are of you. With all your money, you'll lose -- because when a country of hundreds of millions of people stand united, strong, and determined, we become unstoppable and will right the wrongs. 
So either join us, or accept your fate.
Thank you for listening. 

Ira & Ellie Leichter

 90211

LOST YOUR SOUL | 1  

Your loss of soul has hurt many.  How many more will you harm in the name of money. ALL AMERICANS ARE PAYING AND WE WON'T STOP UNTIL YOU ARE BROUGHT TO JUSTICE!   I am one of the billions of American that have not yet made it to Wall Street to protest but it's a matter of minutes until many more Occupy's spring up.  I'm looking  into organizing one in your home town.  Your children will grow to be ashamed of you if they are fortunate enough not to follow in your footsteps.  SOUL-LESS BASTARD!  

Linda Montecalvo
06880

A CUSTOMER, A CUSTOMER | 1  

I have an account at Bank of America. I hate withdrawal and overdraft fees. And fees for transfers. Especially when you don't tell people about them beforehand. You have some bad customer representatives working for you, mister.
Love,
OccupyChicago

elly

I LOVE YOUR CORPORATION! | 1  

I agree that corporations are people too. So, as the executive of your bank, I just have to say, why are you always telling your company what to do? The free market means that corporations get to choose what to do with their money. Why stand in their way?

elly

I am closing my accounts with your bank after 10 years of being a customer. | 1  

Sir, 

I have been a customer of BoA for over 10 years; and tomorrow I am closing my account and moving my money to local bank BRYN MAWR TRUST CO. 

I will speak with all my friends and family and encourage them to do the same.

I spoke with my neighbors and they do have good experience with our local bank.

BoA treatment of its customers including 28% interest rate on credit card debt and charging $5 monthly ATM fees are not acceptable. 

The role that Bank of America and Merrill Lynch played in the sub-prime mortgage bubble that has  destroyed ours and world economy was shameful. 

It is my understanding that BoA joined many other major financial institutions participated in gambling the money of they customers and when they lost the gamble US government and Tax payers bailed them out.

I am voting with my money. 

Have a nice day.

Sincerely,

J.S. your former customer.

George Sliwinski
19073

Make your home affordable? | 5  

I'm a carpenter, work has been very light since the crash,my wife works in a small factory earning 17 an hour, no insurance. We signed up for "make your home affordable"They reduced our morgage buy 400 a month why we went though the process, we were not behind in our payments, we just had a hard time makeing ends meet. 9 months into the process they said we were not eligable, that they were going to start forcloser if we could not come up with the 400 that we did not pay or we could refiance at a lower rate saveing us from losing our house and in the process taking all the interest we had paid up to that point....10 years 120,000 dollars      i know that no one will read this letter but makes me feel better      what make you feel better madame

Michael G Anderson
98070

Didn't get Loan Mod due to Incorrect Phone Number on Application | 3  

Hi Charles,

My name is Matt. You don’t know me but I’m a Bank of America Customer.  A few years ago my Countrywide Mortgage was bought by Bank of America and we been together ever since. Currently, my home is underwater by about $150,000 and I’ve also been hit by hard times. Currently, I’m working two jobs to keep my home but over the last 2 years, I’ve tried (unsuccessfully) to do a Loan Modification. 3 times I’ve tried to do that.

I won’t go into all the details but the last time I tried to get a Loan Mod, I was turned down because I had put down my home phone number instead of my cell phone number. Since I’m never home due to working 65 hours a week, I didn’t get the messages that were left on my home phone answering machine. That’s the reason I was denied a loan mod by Bank of America.
 
But, every time I call and talk to someone, I get a different story. I can talk to Rep. A for a few minutes, call back in 30 minutes and talk to Rep. B about the same issue and get a different answer. The left hand doesn’t know what the right hand is doing. In the meantime, I’m slowly drowning in debt. 

Then, I found out that in 2009, Bank of America paid $0 in Federal Income Tax. It was pretty much the same for 2010 too as I understand it. But, you got almost $1 Billion from Taxpayers in the Bailout. What did I get? Nothing. If I went out and tried to make money and didn’t, why should the Government pay me for my losses?

Does that make any sense to you, Charles? I don't understand how a company that doesn’t carry their fair share by using legal loophole created by your lap dogs (Worst Congress EVER!) to dodge paying their taxes is able to get a bailout. Yet, I try to get a Loan Mod (because I love home and want to stay in my home) like many other hardworking, honest, good American citizens by earning money and paying taxes. The bailout helped you, it paid you and others at Bank of America bonuses and your *SALARY* but I’m denied a break because I put down the wrong phone number on the Application.
 
Perhaps someone there can explain this to me, because I just don’t get it. I'd *REALLY* appreciate it if someone would take a couple of minutes to explain this to me.

Sincerely,

Matt Seufert
91978

Whats up Lloyd | 5  

Hey, I know that most of you CEO's, whatever religion you were brought up in, have been taught that accumulated wealth and prosperity is a gift from God.  And it is, you have been gifted. I wonder if you ever say thank you?  Maybe you do, but here is the thing about gifts that come from the universe, they are given for a purpose, a test if you will, to see if the person who received them is worthy.  If he/she is not, the gift is withdrawn, and the state of the person who got the gift becomes worse as a corrective lesson.  Some call it Karma, others call it reaping what you sow.  What ever we humans choose to call it, it is an immutable law of the universe.  Like the law of attraction, which you rich folks seem to all believe in to the exclusion of all other laws, it operates according to fixed rules: demonstration and consequence.  

And the larger the gift, the bigger the demonstration and of course, the consequence is bigger if the gift is abused, and gratitude is not shown.  I do not say this to you to preach, but to simply tell you in advance that a corrective lesson is on its way from the universe, and it is going to be  something you do not expect, and could not forecast.  

You have an opportunity to change as an individual, however the die has been cast and the corrective consequence is on its way. It is delayed to give each one of you an opportunity to repent, to change you mind and heart and change the direction of your life before it is too late.  You may find OWS a nuisance, however it is here for your benefit, so you can see what you have done to real people, right now because of  the hardness of your hearts.  Some day soon, it will be too late.

I hope you change.  You can do so much good with the resources, power, and influence of your position.  Is it not sad that so much human creativity is dedicated only to pursuing the accumulation of more and more money?  For what end?  It is an addiction, and addictions can only be cured when the addict is confronted with his problem and given no alternative but to change.  The intervention is coming.

Ecc 5:10-15 (NIV) Whoever loves money never has enough; whoever loves wealth is never satisfied with his income. This too is meaningless. As goods increase, so do those who consume them. And what benefit are they to the owner except to feast his eyes on them? The sleep of a laborer is sweet, whether he eats little or much, but the abundance of a rich man permits him no sleep. I have seen a grievous evil under the sun: wealth hoarded to the harm of its owner, or wealth lost through some misfortune... Naked a man comes from his mothers womb, and as he comes, so he departs...

Prov 11:4,28 (NIV) Wealth is worthless in the day of wrath, but righteousness delivers from death... Whoever trusts in his riches will fall...

A Friend